MI · Rate Scorecard · 2026-08-01 · Prepared by RateAPI
Jolt Credit Union
Jolt Credit Union is a rate leader in MI — and almost nobody can see it.
Market leader
#1 of 38
Used Auto Loan (best offer, cars)
Top-3 rankings
2
out of 6 products tracked
Products tracked
6
ranked against every MI CU we cover
30-Year Fixed Mortgage (purchase)
#5 of 32
5.84%
their rate
+34 bp
Freestar Financial Credit Union
New Auto Loan (best offer, cars)
#16 of 38
4.74%
their rate
+149 bp
U.p. State Credit Union
Used Auto Loan (best offer, cars)
#1 of 38
3.35%
their rate
leader
they set the pace
HELOC (best offer)
#6 of 71
4.75%
their rate
+130 bp
Breakwater Credit Union
Personal Loan (unsecured, best offer)
#3 of 96
4.05%
their rate
+5 bp
Advia Credit Union
12-Month CD (best APY)
#18 of 34
3.50%
their rate
+100 bp
Service 1 Credit Union
MethodologyBest published servable rate per product, APR-based, standard rates only (promotional/intro teasers excluded), cars-only for auto, purchase mortgages only; ranked against every MI credit union we track with a current rate (re-verified within 14 days). Source: RateAPI — live, page-verified rates from 3,700+ US credit unions across 11 lending products and deposits. · rateapi.dev · about this scorecard
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